What is SR-22 Insurance?Posted on
SR-22 insurance is not insurance. SR-22 is the name of the form that you have to file with the Missouri Driver’s License Bureau to prove that your vehicle is covered by liability insurance.
Where to Get an SR-22 Form
You must obtain the SR-22 form from your insurance agent after you purchase liability insurance. Your insurance agent can file the form with the Missouri Driver’s License Bureau for you.
When is an SR-22 Required?
You must file an SR-22 form with the Missouri Driver’s License Bureau before you can get your license reinstated in the following situations in which your license was suspended or revoked:
- Administrative alcohol suspension (if not a first-time offense)
- Failure to submit to alcohol or drug test (for example: you refused to blow into breathalyzer)
- Accident while driving uninsured vehicle resulting in court judgment against you
- Accumulation of too many points on your driving record for non-alcohol-related moving violations
In addition, you must file an SR-22 before applying for a hardship license (Limited Driving Privilege).
How Long Do You Continue Filing an SR-22?
Missouri requires that you file an SR-22 with the Driver’s License Bureau for 2 years following a license suspension resulting from any of the violations listed above.
If your license was suspended under the Mandatory Insurance Law for failing to show proof of insurance or for using a fake insurance card, you must provide proof of liability insurance to the Driver’s License Bureau for 3 years starting on the date you were eligible to get your license reinstated. In these situations, you can provide proof of insurance to the Driver’s License Bureau using the SR-22 form, or by providing a copy of your current insurance card.
Click here for more information about license reinstatement requirements on the Missouri Driver’s License Bureau website.
To get your “No Insurance” traffic ticket dismissed or amended to a no-point violation, call St. Louis traffic law attorney Andrea Storey Rogers at (314) 724-5059 or email her at [email protected].
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